Cheapest Car Insurance In Columbus, GA 2024
In Columbus, Auto-Owners offers the most affordable minimum coverage car insurance, with an average monthly rate of $34.
We’ve saved shoppers an average of $600 per year on their car insurance.
When looking for the cheapest car insurance in Columbus, GA, the available options can differ significantly.
Auto-Owners is the top choice for anyone seeking the cheapest liability-only coverage. For full coverage, Country Financial stands out with the best rates, while Allstate is the most affordable option for young drivers.
Cheapest Car Insurance Companies In Columbus, GA
Cheapest Liability-only Car Insurance In Columbus: Auto-Owners
In Columbus, Auto-Owners offers the lowest rates for minimum coverage car insurance, averaging $34 per month.
Check the table below to compare rates from various car insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $34 | $409 |
| Progressive | $57 | $680 |
| Allstate | $61 | $731 |
| State Farm | $81 | $970 |
| GEICO | $47 | $562 |
Cheapest Auto Insurance For Young Adults in Columbus: Allstate
Allstate provides the lowest rates for young adults in Columbus, averaging $91 per month.
The table below allows you to compare the lowest auto insurance rates in Columbus for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $91 | $1,086 |
| GEICO | $172 | $2,066 |
| Mercury | $192 | $2,305 |
| State Farm | $194 | $2,327 |
| Progressive | $156 | $1,871 |
Cheapest Car Insurance Rates For Seniors: Country Financial
Country Financial offers the lowest car insurance rates for seniors in Columbus, with an average cost of $74 per month.
The table below displays average quotes from the most affordable auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $74 | $890 |
| GEICO | $99 | $1,192 |
| Auto-Owners | $81 | $970 |
| Allstate | $92 | $1,108 |
| State Farm | $142 | $1,704 |
Cheapest Full Coverage Insurance Rates In Columbus: Country Financial
Country Financial offers the lowest rates for full coverage car insurance, with average quotes of $84 per month in Columbus.
The table below shows average car insurance quotes from budget-friendly providers in Columbus.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $84 | $1,006 |
| GEICO | $108 | $1,290 |
| Progressive | $120 | $1,436 |
| Allstate | $88 | $1,060 |
| State Farm | $148 | $1,770 |
Cheapest Rates In Columbus For Teenagers: Allstate
Allstate offers the lowest quotes for teenage drivers in Columbus, with average monthly premiums of $126.
The table below lists the companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $126 | $1,507 |
| GEICO | $163 | $1,960 |
| Auto-Owners | $196 | $2,352 |
| State Farm | $245 | $2,941 |
| Progressive | $204 | $2,442 |
Cheapest Car Insurance In Columbus For Good Drivers: Auto-Owners
Auto-Owners offers the most affordable car insurance for good drivers in Columbus, with average monthly rates of $34.
If you’re a safe driver, you can refer to the table below to compare average quotes from the cheapest insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $34 | $409 |
| Progressive | $57 | $680 |
| Allstate | $61 | $731 |
| State Farm | $81 | $970 |
| GEICO | $47 | $562 |
Find affordable Columbus rates
Cheapest Rates In Columbus For Drivers After A DUI: Allstate
Allstate provides the lowest car insurance rates for drivers after a DUI, with average premiums of $112 per month for Columbus residents.
The table below shows the lowest rates for drivers in Columbus with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $112 | $1,346 |
| State Farm | $175 | $2,096 |
| Progressive | $197 | $2,360 |
| Country Financial | $135 | $1,625 |
| Mercury | $189 | $2,270 |
Cheapest Car Insurance In Columbus After A Speeding Ticket: Auto-Owners
Compared to other companies in Columbus, Auto-Owners offers very affordable rates, with an average monthly premium of $85 for drivers who have a speeding ticket.
The table below shows average rates for drivers who have a speeding ticket on their record
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $85 | $1,025 |
| Country Financial | $112 | $1,343 |
| State Farm | $175 | $2,096 |
| Allstate | $95 | $1,142 |
| Progressive | $168 | $2,019 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners provides the most affordable car insurance for drivers with an at-fault incident, averaging $106 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $106 | $1,270 |
| State Farm | $190 | $2,280 |
| Country Financial | $117 | $1,398 |
| Progressive | $233 | $2,792 |
| Allstate | $113 | $1,360 |
Best Car Insurance Companies In Columbus
The most affordable insurance in Columbus is offered by Auto-Owners for $34 per month. Country Financial at $42 and Allstate at $61 are also worth considering.
Below are the top 10 car insurance providers in Columbus, GA, listed by their average monthly premium rates.
| Company | Monthly Premium |
| Auto-Owners | $34 |
| Country Financial | $42 |
| Progressive | $57 |
| Allstate | $61 |
| State Farm | $81 |
| GEICO | $47 |
| Mercury | $60 |
| Travelers | $56 |
| Nationwide | $64 |
| USAA | $70 |
How Much Is Car Insurance In Other Cities In Georgia?
Your location plays a major role in determining your car insurance rates. Insurers consider factors like accident rates, vehicle theft, and vandalism, which tend to be higher in cities, leading to increased premiums.
For instance, car insurance in Atlanta averages around $199 per month, while in Valdosta, residents pay an average of $123 per month.
| City | Average Monthly Rate |
| Norcross | $181 |
| Macon | $160 |
| Albany | $137 |
| Atlanta | $199 |
| Athens | $142 |
| Augusta | $147 |
| Newnan | $152 |
| Savannah | $158 |
| Valdosta | $123 |
| Warner Robins | $147 |
Average Auto Insurance Rates In Columbus – By Age
Age plays a significant role in determining car insurance rates. Younger drivers, especially teens, face higher premiums because of their inexperience and increased risk of accidents and violations. Teenagers can expect to pay about $6,504 annually for car insurance.
Car insurance rates typically start to drop when drivers turn 25, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the best insurance rates, as insurers consider age to gauge driving experience and risk, impacting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $6,504 |
| 20s | $4,238 |
| 30s | $1,736 |
| 40s | $1,495 |
| 50s | $1,423 |
| 60s | $1,340 |
| 70s | $1,553 |
Average Cost Of Auto Insurance In Columbus – By Zip Code
Insurers use zip codes to assess crime rates in your area, which is why car insurance rates vary by zip code.
The table below shows the average insurance premiums for various zip codes in Columbus.
| City | Average Monthly Rate |
| 31904 | $139 |
| 31906 | $155 |
| 31820 | $323 |
| 31808 | $340 |
| 31905 | $356 |
Average Rates In Columbus – By Vehicle
The kind of vehicle you drive greatly affects your car insurance premiums. Insurers consider factors like the make, model, year, and body style. Generally, newer cars, especially luxury ones with advanced features and higher replacement costs, come with higher rates.
The table below provides average rates for various vehicles in Columbus.
| Vehicle | Average Monthly Rate |
| Kia Sportage | $80 |
| Dodge Charger | $248 |
| Ford Fusion | $132 |
| Chevrolet Equinox | $238 |
| Buick Lacrosse | $80 |
Find affordable Columbus rates
Our Methodology
Using an in-depth analysis that covers aspects like customer service, product offerings, pricing, and feedback from various review sites and user experiences, I’ve developed a detailed overview of car insurance providers in Columbus, GA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Columbus?
Auto-Owners provides the lowest car insurance rates in Columbus for the minimum coverage required by California, while Country Financial offers the most affordable full coverage, including comprehensive and collision.
What is the average cost of car insurance in Columbus?
On average, car insurance in Columbus costs around $150 per month, though rates can differ depending on factors such as zip code, car make and model, and driving history.
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